Best Ford Focus ST Car Insurance in 2024 (Your Guide to the Top 10 Companies)
The leading insurers for best Ford Focus ST car insurance are Travelers, Allstate, and Erie, starting rates of $140/mo. These companies offer excellent coverage at competitive prices, stand out for their customer service, provide discounts for safe driving, and deliver great overall value for Ford Focus ST owners.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Aug 11, 2024
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Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 11, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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Travelers, Allstate, and Erie are the top providers for best Ford Focus ST car insurance, with competitive rates beginning at $140 per month.
Check out “Collision vs. Comprehensive: What is the difference?” for more on insurance coverage. Ford Focus ST insurance rates are about $140 less per year than the average vehicle with full coverage costing on monthly at $115.
Our Top 10 Company Picks: Best Ford Focus ST Car Insurance
Company Rank Multi-Vehicle Discount A.M. Best Best For Jump to Pros/Cons
#1 8% A++ Comprehensive Options Travelers
#2 25% A+ Reliable Service Allstate
#3 10% A+ Competitive Rates Erie
#4 20% A Strong Coverage American Family
#5 10% A++ Customer Satisfaction Auto-Owners
#6 20% A+ Financial Stability Nationwide
#7 25% A Extensive Discounts Liberty Mutual
#8 20% A Personalized Policies Farmers
#9 12% A+ Innovative Tools Progressive
#10 25% A+ Senior Focus The Hartford
Drivers of an older Ford Focus ST may opt for liability-only monthly which is about $46. Let’s look at Ford Focus ST insurance rates, safety features, and more.
You can start comparing quotes for Ford Focus ST car insurance rates from some of the best car insurance companies by using our free online tool now.
- Full coverage costs around $115 each month
- A liability-only policy costs around $46 each month
- Highest rates are for teenage drivers at $419 each month
- Good drivers can save as much as $47 a month by earning policy discounts
- Ford Focus ST insurance costs around $140 per month
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#1 – Travelers: Top Overall Pick
Pros
- Wide Coverage Options: They offer various coverage choices such as accident forgiveness and new car replacement, which enhance the value of their Ford Focus ST policies. Read our Travelers review to learn what else is offered.
- Strong Customer Support: Known for efficient claims processing and excellent customer service, Travelers ranks high for those seeking reliable insurance for their Ford Focus ST.
- Discount Opportunities: Travelers provides several discount options, including those for safe driving and policy bundling, which can further reduce the cost of the best Ford Focus ST car insurance.
Cons
- Moderate Financial Stability: While Travelers is generally reliable, its financial strength might not be as robust as some competitors, potentially impacting claim payments for the best Ford Focus ST car insurance.
- Regional Variability: The availability and quality of service can vary significantly by location, which might affect your experience with Travelers’ Ford Focus ST insurance.
#2 – Allstate: Best for Reliable Service
Pros
- Many Discounts: They offer numerous discounts, such as for safe driving and bundling, helping reduce the overall cost of Ford Focus ST coverage, which you can learn about in our Allstate review.
- Flexible Policies: With customizable policy options, Allstate allows you to tailor your Ford Focus ST insurance to better suit your specific needs.
- Roadside Assistance: Their inclusion of roadside assistance and rental car coverage adds extra value to the best Ford Focus ST car insurance.
Cons
- Potentially Higher Costs: Premiums with Allstate might be higher for some drivers, which could affect affordability for the best Ford Focus ST car insurance.
- Complex Policy Options: The extensive range of policy options and add-ons may be overwhelming, complicating the selection process for your Ford Focus ST insurance.
#3 – Erie: Best for Competitive Rates
Pros
- Affordable Premiums: Erie is known for offering some of the most cost-effective insurance rates, making it a strong option for the best Ford Focus ST car insurance.
- Comprehensive Coverage: Erie’s coverage options, including accident forgiveness, add significant value to their Ford Focus ST insurance policies. Learn it more on Erie car insurance review.
- Regional Expertise: Their strong presence in specific areas can enhance service quality, providing an edge in securing the best Ford Focus ST car insurance.
Cons
- Limited National Reach: Erie’s coverage may not be available in all states, which can impact the availability of their Ford Focus ST insurance across the country.
- Fewer Digital Tools: They offer fewer high-tech features compared to some competitors, which might limit convenience for managing your Ford Focus ST insurance.
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#4 – American Family: Best for Strong Coverage
Pros
- Robust Coverage Options: American Family offers comprehensive coverage tailored for performance vehicles like the Ford Focus ST, enhancing the value of their insurance. Read it more on American Family car insurance review.
- Excellent Customer Support: Known for exceptional customer service, American Family ensures a positive experience when handling claims for the best Ford Focus ST car insurance.
- Discount Opportunities: Their numerous discounts, such as those for safe driving and bundling, help reduce the cost of Ford Focus ST insurance.
Cons
- Higher Premiums for Some: American Family’s insurance premiums may be higher for certain drivers, impacting the overall affordability of the best Ford Focus ST car insurance.
- Complex Claims Process: Some customers find the claims process more intricate, which could be a drawback when seeking the best Ford Focus ST car insurance.
#5 – Auto-Owners: Best for Customer Satisfaction
Pros
- Extensive Coverage Options: They provide a broad range of coverage and additional protections, enhancing the value of Ford Focus ST insurance. Read it more on Auto-Owners car insurance review.
- Safe Driver Discounts: Auto-Owners offers substantial discounts for maintaining a clean driving record, which can lower the cost of your Ford Focus ST insurance.
- Strong Regional Presence: Their strong service in specific regions ensures reliable support for the best Ford Focus ST car insurance.
Cons
- Variable Pricing: Insurance rates can vary widely based on location and risk factors, which might affect the cost of the best Ford Focus ST car insurance.
- Limited High-Tech Features: Auto-Owners might lack some of the latest digital tools and online management features.
#6 – Nationwide: Best for Financial Stability
Pros
- Solid Financial Strength: Nationwide is known for its robust financial stability, ensuring reliable claim payments for the best Ford Focus ST car insurance.
- Multiple Discounts: Nationwide provides various discounts, such as for bundling and safe driving, which can reduce the cost of Ford Focus ST insurance, which is covered in our Nationwide review.
- Good Customer Support: Their positive customer service feedback helps make them a strong option for securing the best Ford Focus ST car insurance.
Cons
- Potentially Higher Premiums: Some drivers may find Nationwide’s premiums to be higher, impacting the overall affordability of the best Ford Focus ST car insurance.
- Inconsistent Local Service: Service quality can vary based on location, which may affect your experience with Nationwide’s Ford Focus ST insurance.
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#7 – Liberty Mutual: Best for Extensive Discounts
Pros
- Customizable Policies: They allow extensive customization of policies, enabling you to tailor your Ford Focus ST insurance to specific needs. For a complete list, read our Liberty Mutual review.
- Advanced Tools: Liberty Mutual provides innovative tools and apps for managing your insurance, improving the convenience of the best Ford Focus ST car insurance.
- Strong Financial Position: Their solid financial stability ensures reliable claim payments for Ford Focus ST coverage.
Cons
- Potentially Higher Costs: Premiums may be higher compared to some competitors, which could affect the cost-effectiveness of the best Ford Focus ST car insurance.
- Customer Service Variability: Some customers report inconsistencies in service quality, which might impact your experience with Liberty Mutual’s Ford Focus ST insurance.
#8 – Farmers: Best for Personalized Policies
Pros
- Local Agent Network: Their network of local agents provides personalized service and support, enhancing the value of your Ford Focus ST insurance. Learn more in our Farmers review.
- Discounts Available: Farmers offers a range of discounts for safety and policy bundling, which can help lower the cost of the best Ford Focus ST car insurance.
- Comprehensive Coverage: They provide extensive coverage options, adding value to their Ford Focus ST insurance policies.
Cons
- Higher Premiums: Insurance costs can be higher, especially for certain drivers, which might affect the affordability of the best Ford Focus ST car insurance.
- Inconsistent Service: Quality of service may vary depending on the local agent, impacting your experience with Farmers’ Ford Focus ST insurance.
#9 – Progressive: Best for Innovative Tools
Pros
- Competitive Pricing: Known for providing competitive rates and frequent discounts, Progressive is a strong choice for affordable Ford Focus ST coverage. Discover our Progressive review for a full list.
- Variety of Coverage: They offer a broad selection of coverage options and add-ons, which enhances the value of the best Ford Focus ST car insurance.
- Strong Digital Experience: Their robust online tools and mobile app make managing Ford Focus ST insurance more convenient.
Cons
- Higher Costs for High-Risk Drivers: Rates can be higher for drivers with less favorable risk profiles, affecting the affordability of the best Ford Focus ST car insurance.
- Complex Policies: The wide range of options and add-ons can be confusing, which might complicate finding the best Ford Focus ST car insurance.
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#10 – The Hartford: Best for Senior Focus
Are Ford Focus STs Expensive to Insure?
The chart below details how Ford Focus ST insurance rates compare to other subcompact cars like the Ford Fiesta and Kia Rio.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Ford Focus ST | $282 | $536 | $398 | $1,374 |
| Ford Fiesta | $242 | $422 | $390 | $1,212 |
| Kia Rio | $244 | $506 | $450 | $1,380 |
To find the cheapest insurance rates for a Ford vehicle, consider comparing quotes online to get multiple estimates, checking for available discounts, reviewing and adjusting coverage options, considering higher deductibles to lower premiums, and maintaining a good credit score to potentially secure better rates.
Ford Focus ST Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $75 $155
American Family $70 $145
Auto-Owners $68 $142
Erie $60 $135
Farmers $74 $152
Liberty Mutual $78 $160
Nationwide $72 $150
Progressive $77 $158
The Hartford $69 $146
Travelers $65 $140
Additionally, regularly reviewing your insurance policy can help ensure you continue to receive the most competitive rates as your circumstances change.
To gain profound insights, consult our extensive guide on which state has the best drivers?
What Impacts the Cost of Ford Focus ST Insurance?
The trim and model of the Ford Focus ST affect insurance costs because higher trims can increase risk due to performance features, higher repair costs, theft risk, and vehicle value, while trims with advanced safety features might reduce premiums.
Choosing a base model might lead to lower insurance costs compared to higher-end trims. To delve deeper, refer to our in-depth report compare liability car insurance: rates, discounts, & requirements.
Additionally, special editions or performance variants may attract higher premiums due to their increased risk profile. Enter your ZIP code to begin comparing.
To delve deeper, refer to our in-depth report compare liability car insurance: rates, discounts, & requirements.
Age of the Vehicle
The average Ford Focus ST auto insurance rates are higher for newer models. For example, auto insurance for a 2018 Ford Focus ST costs $1,374, while 2013 Ford Focus ST insurance costs are $1,268, a difference of $106.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2018 Ford Focus ST | $282 | $536 | $398 | $1,374 |
| 2017 Ford Focus ST | $272 | $524 | $416 | $1,370 |
| 2016 Ford Focus ST | $262 | $502 | $430 | $1,352 |
| 2015 Ford Focus ST | $248 | $484 | $442 | $1,332 |
| 2014 Ford Focus ST | $238 | $450 | $452 | $1,298 |
| 2013 Ford Focus ST | $230 | $424 | $456 | $1,268 |
Driver Age
Driver age can have a significant impact on the cost of Ford Focus ST auto insurance. For example, 20-year-old drivers pay as much as $1,741 more each year for their Ford Focus ST auto insurance than 40-year-old drivers.
Driver Location
Where you live can significantly impact Ford Focus ST insurance rates due to factors like local accident rates, theft rates, repair costs, insurance regulations, weather conditions, and regional risk factors.
For example, drivers in New York may pay $838 more annually than those in Seattle because of higher traffic congestion, theft risks, and repair costs in the city.
Additionally, local insurance regulations and the cost of living further influence these rate differences.
Ford Focus ST Safety Ratings
Your Ford Focus ST car insurance rates are tied to the safety ratings of the Ford Focus ST. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Acceptable |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Several top car insurance companies offer competitive rates for the Ford Focus ST rates based on factors like discounts for safety features.
Companies often provide lower premiums for trims equipped with advanced safety technology or driver-assistance systems. Additionally, shopping around and comparing quotes from different insurers can help find the best rates and discounts available.
Ford Focus ST Crash Test Ratings
Good Ford Focus ST crash test ratings mean the VW is safer, which could mean cheaper Ford Focus ST car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Ford Focus ST | 5 | 4 | 5 | 4 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
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Top Ford Focus ST Insurance Companies
Take a look at this list of top car insurance companies that are popular with Ford Focus ST drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
They may also provide discounts for safety features, robust customer service, and competitive pricing due to their large market presence.
Additionally, their strong regional presence can enhance personalized service and efficient claims processing.
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Frequently Asked Questions
How much does insurance for a Ford Focus ST cost?
On monthly, it costs $115
Are Ford Focus STs expensive to insure?
They are slightly cheaper to insure compared to the average vehicle. Enter your ZIP code now.
What factors affect Ford Focus ST insurance rates?
The vehicle’s trim and model, age, driver’s age and location, and driving record can impact insurance rates. To gain further insights, consult our comprehensive guide on multiple policy car insurance discounts.”
Can safety features lower Ford Focus ST insurance rates?
Yes, good safety features can help reduce insurance costs.
How can I save money on Ford Focus ST insurance?
Compare quotes, take advantage of discounts, maintain a clean record, and consider higher deductibles. Enter your ZIP code now.
What coverage is best for a Ford Focus ST?
Essential coverages are liability, collision, comprehensive, uninsured motorist, and personal injury protection. For a thorough understanding, refer to our detailed analysis on what is a car insurance premium?
Are there any discounts for insuring a Ford Focus ST?
Discounts may be available for safe driving, multi-policy bundles, anti-theft devices, low mileage, and completing defensive driving courses.
How can I choose the best insurance provider?
Compare quotes, review coverage options, check customer feedback, consider the insurer’s financial stability, and seek recommendations. Simply enter your ZIP code below into our free comparison tool to see rates in your area.
How does the Ford Focus ST’s performance impact insurance rates?
The vehicle’s high performance often leads to higher premiums due to increased risk, repair costs, and theft appeal. To gain profound insights, consult our extensive guide on how can i add a car to my insurance policy?
What are the common pitfalls to avoid when insuring a Ford Focus ST?
Avoid underestimating coverage needs, neglecting to compare different providers, ignoring discounts, and overlooking the impact of performance on premiums.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
